Open to opportunities

Garanfas Hubata

@garanfashubata

Message

I’m a senior credit risk and investment professional with 10+ years at Commercial Bank of Ethiopia.

Ethiopia

Message

What I'm looking for

I’m looking to build structured lending and investment risk programs—partnering with teams on credit appraisal, financial modeling, and portfolio monitoring, with room to deepen investment management and digital finance expertise.

I’m a credit and investment risk professional with 10+ years at Commercial Bank of Ethiopia, focused on credit appraisal, wholesale banking, financial analysis, customer due diligence, risk assessment, loan structuring, and portfolio monitoring. I evaluate borrower financial strength, cash flow, collateral, repayment capacity, and credit risks to support sound financing decisions.

I enjoy translating risk findings into clear recommendations, maintaining strong risk documentation, and strengthening KYC/AML compliance throughout the credit lifecycle. I’m interested in investment management, structured credit, financial modeling, and digital finance, and I’m currently in the research/thesis stage of my MBA at Haramaya University.

Experience

Work history, roles, and key accomplishments

Current

Credit & Banking Professional

Current

Commercial Bank of Ethiopia

Sep 2014 - Present (11 years 10 months)

Banking and credit professional with 10+ years of experience supporting credit appraisal, wholesale banking, financial analysis, customer due diligence, and risk assessment. Conducts loan structuring and credit risk/portfolio monitoring based on borrower repayment capacity and collateral.

Credit Risk Analysis Financial Statement Analysis Portfolio Monitoring Credit Analysis Cash Flow Analysis Risk Management Financial Modeling KYC AML Compliance

Customer Relationship Manager

Commercial Bank of Ethiopia

Aug 2023 - Mar 2026 (2 years 7 months)

Managed wholesale banking relationships by analyzing customer financial performance and supporting financing decisions. Monitored exposures and maintained risk documentation.

Customer Relationship Management Financial Statement Analysis Risk Assessment Portfolio Monitoring Credit Risk Analysis Customer Due Diligence

Credit Appraisal Officer

Commercial Bank of Ethiopia

Jan 2023 - Aug 2023 (7 months)

Conducted borrower analysis including review of financial statements and assessment of repayment capacity. Evaluated collateral and prepared credit recommendations.

Financial Statement Analysis Cash Flow Analysis Repayment Capacity Assessment Risk Assessment

Customer Relationship Officer

Commercial Bank of Ethiopia

Jun 2021 - Jan 2023 (1 year 7 months)

Managed customer portfolios and supported the delivery of financial solutions. Focused on ongoing customer relationship management and portfolio support.

Customer Relationship Management Portfolio Monitoring Financial Analysis

Senior Branch Banking Officer

Commercial Bank of Ethiopia

Jul 2020 - Jun 2021 (11 months)

Supported branch operations, business development, and risk control. Acted in a branch management capacity as needed while handling risk controls.

Risk Management Business Development Branch Operations

KYC Analyst I

Commercial Bank of Ethiopia

Jan 2017 - May 2018 (1 year 4 months)

Performed customer due diligence and compliance reviews as part of KYC processes. Supported risk and compliance requirements through customer verification work.

KYC AML Compliance Customer Due Diligence Compliance Review